2005 Idaho Code - 41-2516 — OPTIONAL SUSPENSION OF AUTOMOBILE INSURANCE COVERAGE

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 25
                         CASUALTY INSURANCE CONTRACTS
    41-2516.  OPTIONAL SUSPENSION OF AUTOMOBILE INSURANCE COVERAGE. (1) If a
person enters into a contract with an insurer for coverage under an automobile
insurance policy as defined in section 41-2506, Idaho Code, the insurer may
allow the person to suspend policy coverages. The suspension period may begin
at any time, at the person's option. All requests for suspension of coverage
shall be confirmed in writing by the insurer to the insured regardless of the
method used by the insured to request suspension of coverage. The suspension
of coverage shall not constitute a cancellation of the policy. For those
coverages suspended, during the period of suspension, premiums shall not be
charged to the person, and the insurer shall not be liable for any loss under
such suspended coverages occurring during said suspension period. The period
of suspension may be changed at any time upon written agreement by the
parties. This shall not preclude the insurer's right to reinspect the
previously insured motor vehicle regarding its insurability.
    (2)  Suspended premium may accrue on a pro rata basis as a credit for
future premium.
    (3)  If a person drives a motor vehicle within the state of Idaho while
the liability coverage of the policy is suspended, he shall be subject to the
penalties set out for the violation of the provisions of section 49-1428,
Idaho Code.
    (4)  The provisions of this section shall apply to a policy entered into
or renewed after July 1, 1990.